he starts saying government will do this and government will do that, and then government will, and he'll impose mandates. if you're a small business person and you don't insure your employees, senator obama will fine you. will fine you. that's remarkable. if you're a parent and you're struggling to get health insurance for your children, senator obama will fine you. i want to give every american a $5,000 refundable tax credit. they can take it anywhere, across state lines. why not? don't we go across state lines when we purchase other things in america? of course it's ok to go across state lines because in arizona they may offer a better plan that suits you best than it does here in tennessee. and if you do the math, those people who have employer-based health benefits, if you put the tax on it and you have what's left over and you add $5,000 that you're going to get as a refundable tax credit, do the math. 95% of the american people will have increased funds to go out and buy the insurance of their choice and to shop around and to get -- all those people will be covered except for those